Devils Lake, ND · Charter 60600
NCUA · 9 branches
Q4 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -1.85% | -1.16% | -5.78% | -4.25% | -449 bps | |
| Return on Equity | 2.20% | -18.68% | -11.54% | -83.46% | -60.17% | -6,237 bps | |
| Net Interest Margin | 3.33% | 3.06% | 3.04% | 3.25% | 3.23% | -11 bps | |
| Efficiency Ratio | 88.68% | 97.86% | 99.11% | 99.99% | 97.76% | +908 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.72% | 8.31% | 3.11% | -4.99% | -6.27% | -1,099 bps | |
| Loan Growth (YoY) | 3.91% | 0.13% | -6.33% | -9.22% | -16.34% | -2,025 bps | |
| Share Growth (YoY) | 2.65% | 7.75% | 7.34% | 2.38% | -2.77% | -541 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.19% | 6.79% | 8.86% | 8.21% | 7.52% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.87% | 1.42% | 6.10% | 6.35% | +499 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.63% | 9.93% | 10.06% | 6.93% | 7.07% | -356 bps | |
| Net Worth / Assets | 10.63% | 9.93% | 10.06% | 6.93% | 7.07% | -356 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.30% | 93.92% | 94.41% | 92.75% | 85.44% | -1,386 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |